Commercial Auto

Covering you wherever you are.

And just like you, wherever your customers need you when they’re out, about and adventuring in the world, NFP is right where you are whenever risk becomes reality. Whether you’re a single park facility, statewide or all across the nation, our experts are uniquely experienced in rooting out the risk that comes with the rules and regulations of helping families, couples and solo explorers travel near and far.We deliver specialized coverage expertise for facilities of all shapes, sizes and amenities, including those with: Boating and canoeing Fishing Gas sales General store Horses Horseshoe pits Laundry facilities Miniature golf Organized activities Playgrounds Recreational services Restaurants and bars Showers and restrooms Special events Swimming pools WatercraftLet’s work together to put the right protections in place for your park and the people who enjoy it.

Effective well-being tools for thriving employees.

It may be cliché, but it’s true: the world is changing faster than ever. Working life today looks different from how it looked even five years ago. In some cases, very different.Still, when it comes down to it, employees still want the same things. They want compensation that reflects their value and a workplace that challenges and supports them. They want the time and energy to cultivate balanced, healthy lives.Employers can help, with positive side effects for their business too.Our well-being experts are passionate about helping your employees find balance. An effective partner can assist you as you evaluate your needs, and help piece together tools that are relevant for your workforce. We can work with you to tailor a program that’s intuitive and easy for your people to use.We start with conversations and research about your needs, coming to understand your company’s culture, mission and vision, demographics and psychographics, and strategic goals. Your employees and leadership are central to the process. We want to know what inspires them each day and what aspects of well-being and wellness they care most about. Then, we're able to build a tailored road map for an effective, evidence-based health and well-being program.We’ve helped businesses of all sizes find innovative ways to support their greatest asset. You need realistic budget parameters that take into account hard and soft costs. You should also be able to expect reasonable returns. We’ll work to help you achieve everything from building incentive programs to developing metrics and ROI targets to analyzing wellness, well-being and disease management platforms. You can rely on us for: Well-being strategy development and planning tools Well-being champion training Intervention and program templates Incentive design and funding strategy Claim analytics, risk scores and ROI tracking Strategic employee-facing communications Customizable marketing resources, including employee well-being campaigns and newsletters A wellness/well-being research library, filled with case studies, best practices and more Access to preferred well-being vendors and discounted pricing opportunities RFP assistance for third-party well-being vendors We can work with you on well-being program strategy, implementation and upkeep. We have experience building incentive programs and metrics to measure effectiveness, empowering employers to fine-tune well-being and disease management programs over time.Beyond physical well-being solutions, we’re also poised to help you put together programs and find tools for financial well-being. Tools to promote financial wellness like planning support can make a real difference, lowering stress and increasing job satisfaction.NFP also offers its own total engagement platform, PeopleEQ™. PeopleEQ combines a comprehensive benefits hub, employee resource dashboard, and financial and lifestyle well-being tools at a manageable price point. This customizable tool also gives employers access to effective data and management tools, and an implementation team ready to help.No matter what tools and strategies fit your unique solution, we have experts ready to consult with you.

Somebody to lean on.

Unfortunately, accidents do happen. When they do, know you do not have to deal with them alone. NFP is here to help.Our diversified National Claims team is your advocate and liaison with the workers’ compensation claims administrator to ensure the injured workers get the medical care they need to quickly recover and return to work. At the same time, the team proactively monitors the claims, ensuring they are positioned for cost effective resolution and accurately reserved. Your employees get the care they need faster, at a lower total cost of risk to you.Caring for Your Injured WorkersLike you, we care about your employees — and we want to make sure your relationships with them remain strong. From the onset of the accident until the injured employee is back on the job, we are there to guide you through a customized post-injury management plan that includes: Immediate post-injury response Medical management Transitional duty/Return to work programsBest Practices Rule NFP’s National Claims team follows a set of best practices that emphasizes the delivery of meaningful and valuable services to our clients. Our relationship with you is driven by a focus on understanding each claim and the coverages in place so we can maximize the benefits available to your company. Your NFP team: Provides valuable oversight and direction with the claims administrator to ensure that you have the information and resources to make the best financial, legal and ethical business decisions for the management of your workers compensation claims. Facilitates ongoing communication between you and the insurance carriers/TPA. Works with the claims administrators to resolve, close out and/or investigate claims issues. Interprets loss runs and other loss data to identify injury trends. Once identified, we will collaborate with you and our claims management specialists to implement injury prevention programs because the most cost effective injury is a prevented one. Monitors lost time/indemnity claims, litigated claims, and subrogated claims. This includes strategizing and establishing action plans for optimum resolution. Analyzes experience modification worksheets and prepare Experience Modification Projections. Identifies overlapping coverage and puts applicable policies on notice. Ensures that claims below policy deductible are evaluated and handled correctly. Creates client-specific handling instructions to set expectations for how the claim should be managed, clearly identify the communication flow between the you and the claims administrator, and address the handling of issues that may arise. Helps you better understand the workers’ compensation process and assists with the implementation of best practices that empower ownership and the ability for you to internally manage your workers’ compensation claims.Contact NFP today to learn how we can help you get the best possible outcome for you and your claims.